Live Competitors

LOB Stock

USD 40.54 0.32 0.80%

Live Oak Bancshares competes with TriCo Bancshares, Lakeland Financial, German American, Stellar Bancorp, and ST Bancorp; as well as few others. The company runs under Banks sector within Financials industry. Analyzing Live Oak competition allows you to expand the diversification possibilities of your existing portfolios and to get a better perspective on locking in new positions. Investors sometimes prefer comparable analysis of Live Oak to its intrinsic valuation because they are able to contrast its competitors on a relative basis. Check out Live Oak Correlation with its peers.

Live Oak vs First Merchants Correlation

Almost no diversification

The correlation between Live Oak Bancshares and FRME is 0.91 (i.e., Almost no diversification) for selected investment horizon. Overlapping area represents the amount of risk that can be diversified away by holding Live Oak Bancshares and FRME in the same portfolio, assuming nothing else is changed.

Moving together with Live Stock

0.94	BNPH	BNP PARIBAS ADR	Pair Corr
0.86	BIRG	Bank of Ireland	Pair Corr
0.7	AON0	AOZORA BANK LTD	Pair Corr
0.97	AX	Axos Financial	Pair Corr
0.95	BY	Byline Bancorp	Pair Corr

Moving against Live Stock

0.78	3YB	Postal Savings Bank	Pair Corr
0.54	ICBA	ICICI Bank Limited	Pair Corr
0.53	C3B	Chongqing Rural Comm	Pair Corr
0.49	D7C	China CITIC Bank	Pair Corr

Specify up to 10 symbols:

Hype

Prediction

Low	Estimated	High
38.22	40.49	42.76

Details

Intrinsic

Valuation

Low	Real	High
36.47	44.82	47.09

Details

3 Analysts

Consensus

Low	Target	High
40.72	44.75	49.67

Details

Earnings

Estimates (0)

Low	Projected EPS	High
0.45	0.53	0.60

Details

Live Oak Competition Correlation Matrix

Typically, diversification allows investors to combine positions across different asset classes to reduce overall portfolio risk. Correlation between Live Oak and its competitors represents the degree of relationship between the price movements of corresponding stocks. A correlation of about +1.0 implies that the price of Live and its corresponding peer move in tandem. A correlation of -1.0 means that prices move in opposite directions. A correlation of close to zero suggests that the price movements of assets are uncorrelated; in other words, the historical price movement of Live Oak Bancshares does not affect the price movement of the other competitor.

	TCBK	LKFN	GABC	STEL	STBA	MBIN	SRCE	NBHC	HOPE	FRME
TCBK		0.81	0.87	0.78	0.93	0.78	0.93	0.93	0.89	0.9	TCBK
LKFN	0.81		0.92	0.81	0.9	0.78	0.9	0.73	0.73	0.82	LKFN
GABC	0.87	0.92		0.92	0.95	0.92	0.96	0.82	0.85	0.94	GABC
STEL	0.78	0.81	0.92		0.87	0.95	0.89	0.74	0.82	0.89	STEL
STBA	0.93	0.9	0.95	0.87		0.87	0.98	0.88	0.88	0.94	STBA
MBIN	0.78	0.78	0.92	0.95	0.87		0.91	0.79	0.84	0.93	MBIN
SRCE	0.93	0.9	0.96	0.89	0.98	0.91		0.91	0.91	0.96	SRCE
NBHC	0.93	0.73	0.82	0.74	0.88	0.79	0.91		0.93	0.9	NBHC
HOPE	0.89	0.73	0.85	0.82	0.88	0.84	0.91	0.93		0.91	HOPE
FRME	0.9	0.82	0.94	0.89	0.94	0.93	0.96	0.9	0.91		FRME
	TCBK	LKFN	GABC	STEL	STBA	MBIN	SRCE	NBHC	HOPE	FRME

Please upgrade your account to get full access to Macroaxis premium features

Risk-Adjusted Indicators

There is a big difference between Live Stock performing well and Live Oak Company doing well as a business compared to the competition. There are so many exceptions to the norm that investors cannot definitively determine what's good or bad unless they analyze Live Oak's multiple risk-adjusted performance indicators across the competitive landscape. These indicators are quantitative in nature and help investors forecast volatility and risk-adjusted expected returns across various positions.

	Mean Deviation	Jensen Alpha	Sortino Ratio	Treynor Ratio	Semi Deviation	Expected Shortfall	Potential Upside	Value @Risk	Maximum Drawdown
TCBK	1.15	0.12	0.09	0.20	1.07	(1.30)	3.41	(1.65)	7.18
LKFN	1.21	0.05	0.03	0.12	1.21	(1.53)	3.46	(2.49)	7.37
GABC	1.17	0.10	0.07	0.20	1.10	(1.43)	3.30	(2.03)	7.84
STEL	1.16	0.34	0.28	0.51	0.74	(1.44)	2.67	(1.76)	12.95
STBA	1.13	0.17	0.11	0.28	1.27	(1.31)	2.62	(1.63)	9.20
MBIN	1.80	0.57	0.31	0.53	1.43	(2.16)	4.26	(2.97)	17.09
SRCE	0.98	0.19	0.15	0.44	0.85	(1.20)	2.21	(2.02)	5.76
NBHC	1.07	0.13	0.10	0.18	1.03	(1.22)	2.85	(1.90)	9.76
HOPE	1.28	0.22	0.13	0.73	1.20	(1.65)	3.41	(2.53)	9.58
FRME	1.11	0.19	0.14	0.28	1.00	(1.28)	2.84	(1.50)	8.32

Cross Equities Net Income Analysis

Compare Live Oak Bancshares and related stocks such as TriCo Bancshares, Lakeland Financial, and German American Bancorp Net Income Over Time

	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
TCBK	4.3 M	18.6 M	19 M	27.4 M	26.1 M	43.8 M	44.8 M	40.6 M	68.3 M	92.1 M	64.8 M	117.7 M	125.4 M	117.4 M	114.9 M	121.6 M	127.6 M
LKFN	5.1 M	30.7 M	35.4 M	38.8 M	43.8 M	46.4 M	52.1 M	57.3 M	80.4 M	87 M	84.3 M	95.7 M	103.8 M	93.8 M	93.5 M	103.4 M	108.5 M
GABC	2.3 M	20.2 M	24.1 M	25.4 M	28.3 M	30.1 M	35.2 M	40.7 M	46.5 M	59.2 M	62.2 M	84.1 M	81.8 M	85.9 M	83.8 M	112.6 M	118.3 M
STEL	24.1 M	24.1 M	24.1 M	24.1 M	24.1 M	24.1 M	27.2 M	27.6 M	47.3 M	50.5 M	45.5 M	81.6 M	51.4 M	130.5 M	115 M	102.9 M	70.4 M
STBA	10.4 M	47.3 M	34.2 M	50.5 M	57.9 M	67.1 M	71.4 M	73 M	105.3 M	98.2 M	21 M	110.3 M	135.5 M	144.8 M	131.3 M	134.2 M	140.9 M
MBIN	28.4 M	28.4 M	28.4 M	28.4 M	28.4 M	28.4 M	33.1 M	54.7 M	62.9 M	77.3 M	180.5 M	227.1 M	219.7 M	279.2 M	320.4 M	218.8 M	170.2 M
SRCE	2.3 M	48.2 M	49.6 M	55 M	58.1 M	57.5 M	57.8 M	68.1 M	82.4 M	92 M	81.4 M	118.5 M	120.5 M	124.9 M	132.6 M	158.3 M	166.2 M
NBHC	(1.5 M)	42 M	(543 K)	6.9 M	9.2 M	4.9 M	23.1 M	14.6 M	61.5 M	80.4 M	88.6 M	93.6 M	71.3 M	142 M	118.8 M	109.6 M	56.3 M
HOPE	2.1 M	27.1 M	83.2 M	81.8 M	88.6 M	92.3 M	113.7 M	139.4 M	189.6 M	171 M	111.5 M	204.6 M	218.3 M	133.7 M	99.6 M	58.5 M	72.5 M
FRME	3.9 M	25.3 M	45.1 M	44.5 M	60.2 M	65.4 M	81.1 M	96.1 M	159.1 M	164.5 M	148.6 M	205.5 M	222.1 M	223.8 M	201.4 M	226 M	237.3 M

Live Oak Bancshares and related stocks such as TriCo Bancshares, Lakeland Financial, and German American Bancorp Net Income description

Net income is one of the most important fundamental items in finance. It plays a large role in Live Oak Bancshares financial statement analysis. It represents the amount of money remaining after all of Live Oak Bancshares operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue.

Live Oak Competitive Analysis

The better you understand Live Oak competitors, the better chance you have of utilizing it as a position in your portfolios. From an individual investor's perspective, Live Oak's competitive analysis can cover a whole range of metrics. Some of these will be more critical depending on who you are as an investor and how you react to market volatility. However, if you are locking your investment sandscape to a long-term horizon, comparing the fundamental indicator across Live Oak's competition over several years is one of the best ways to analyze its investment potential.

Better Than Average

Worse Than Peers

View Performance Chart

	LOB	TCBK	LKFN	GABC	STEL	STBA	MBIN	SRCE	NBHC	HOPE
	0.80 40.54 Live	0.70 50.30 TriCo	0.85 61.41 Lakeland	0.33 43.20 German	1.76 38.49 Stellar	0.71 43.68 STBA	0.83 47.63 Merchants	0.74 70.47 1st	2.70 41.84 National	0.41 12.10 Hope
Market Volatility (90 Days Market Risk)	Very steady	Very steady	Very steady	Very steady	Very steady	Very steady	Very steady	Very steady	Very steady	Not too volatile
Market Performance (90 Days Performance)	Solid	Good	Fair	Good	Solid	Good	Solid	Solid	Good	Solid
Odds of Financial Distress (Probability Of Bankruptcy)	Low	Tiny	Tiny	Low	Tiny	Tiny	Tiny	Tiny	Tiny	Tiny
Current Valuation (Equity Enterprise Value)	Under Valued	Under Valued	Fairly Valued	Fairly Valued	Under Valued	Under Valued	Fairly Valued	Under Valued	Under Valued	Under Valued
Buy or Sell Advice (Average Analysts Consensus)	Hold	Buy	Buy	Buy	Buy	Hold	Buy	Buy	Buy	Buy
Trade Advice (90 Days Macroaxis Advice)	Strong Buy	Strong Buy	Strong Buy	Strong Buy	Strong Buy	Strong Buy	Strong Buy	Strong Buy	Strong Buy	Strong Buy
Net Asset	15.13 B	9.82 B	6.99 B	8.39 B	10.81 B	9.87 B	19.45 B	9.06 B	9.88 B	18.53 B
Profit Margin	0.22	0.3	0.4	0.33	0.25	0.34	0.39	0.38	0.28	0.14
EBITDA	185.09 M	182.72 M	130.37 M	140.07 M	127.78 M	167.94 M	263.8 M	214.03 M	164.51 M	83.67 M
Operating Margin	0.44	0.44	0.53	0.47	0.36	0.44	0.52	0.5	0.23	0.31
Current Valuation	1.19 B	1.54 B	1.59 B	1.73 B	1.62 B	1.72 B	6.37 B	1.97 B	1.24 B	1.39 B
Price To Book	1.48	1.21	2.01	1.39	1.21	1.11	1.25	1.34	1.33	0.68
Retained Earnings	809.88 M	740.24 M	788.35 M	582.95 M	566.22 M	1.04 B	1.49 B	1.02 B	572.46 M	1.17 B
Five Year Return	0.47	2.19	2.19	2.06	N/A	3.35	N/A	2.38	1.99	4.13
Beta	1.96	0.63	0.73	0.65	0.78	0.91	1.26	0.62	0.79	0.83
Number Of Employees	1.03 K	1.14 K	669	1.02 K	1.07 K	1.21 K	663	1.21 K	1.26 K	1.45 K
Shares Outstanding	46.03 M	32.33 M	25.22 M	37.5 M	50.76 M	37.4 M	45.89 M	24.37 M	45.05 M	128.2 M
Cash Flow From Operations	536.47 M	109.71 M	102.48 M	95.76 M	132.62 M	173.37 M	(835.28 M)	193.85 M	155.27 M	116.72 M
Annual Yield	0.003	0.0273	0.0342	0.0274	0.0153	0.0332	0.0085	0.0229	0.0314	0.0463
Total Debt	102.4 M	107.51 M	184.2 M	182.68 M	40.23 M	265.29 M	3.84 B	340.71 M	71.89 M	395.88 M
Return On Equity	0.0936	0.0954	0.14	0.12	0.0628	0.0944	0.0967	0.13	0.0815	0.0279
Return On Asset	0.0075	0.0125	0.0151	0.0153	0.0095	0.0138	0.0114	0.0176	0.0111	0.0035
Number Of Shares Shorted	2.1 M	526.99 K	1.83 M	1.19 M	829.64 K	803.76 K	1.46 M	211.65 K	1.03 M	2.57 M
Book Value Per Share	25.06	41.07	30.23	31.0	32.78	39.14	37.69	52.32	36.67	17.81
Total Asset	15.13 B	9.82 B	6.99 B	8.39 B	10.81 B	9.87 B	19.45 B	9.06 B	9.88 B	18.53 B
Debt To Equity	4.28	0.15	8.59	8.16	6.0	6.98	11.3	7.06	6.59	7.44
Short Ratio	5.2	4.29	10.17	8.69	1.73	4.54	8.6	1.89	2.33	2.51
Target Price	44.75	55.8	66.4	47.33	38.0	43.25	47.33	76.33	46.25	13.17
Last Dividend Paid	0.12	1.38	2.02	1.18	0.57	1.4	0.4	1.56	1.23	0.56
Shares Owned By Institutions	72.44	69.45	87.28	52.5	62.31	74.92	34.36	75.76	85.87	93.71
Market Capitalization	1.85 B	1.62 B	1.57 B	1.62 B	2.01 B	1.66 B	2.19 B	1.71 B	1.88 B	1.55 B
Price To Earning	12.48	19.22	22.36	15.22	18.84	36.73	5.54	15.73	14.95	13.08
Price To Earnings To Growth	N/A	1.91	2.04	2.43	4.74	3.54	N/A	2.03	2.9	1.34
Price To Sales	3.85	3.99	6.1	4.75	4.85	4.2	3.88	4.06	4.73	3.4
Net Income	77.42 M	121.56 M	103.36 M	83.81 M	102.87 M	131.26 M	320.39 M	132.62 M	118.81 M	99.63 M
Earnings Per Share	2.23	3.65	4.01	3.06	1.99	3.49	3.82	6.41	2.93	0.48
Shares Owned By Insiders	23.02	8.32	2.84	4.25	9.97	1.63	44.58	26.37	4.22	4.69
Revenue	1.04 B	533.31 M	421.71 M	487.4 M	596.26 M	568.51 M	1.37 B	600 M	583.94 M	967.79 M
Cash And Equivalents	636.44 M	246.51 M	204.8 M	532.96 M	292.84 M	134.9 M	472.79 M	144.52 M	476.01 M	331.34 M
Cash Per Share	14.51	7.39	8.08	18.08	14.67	3.46	10.97	5.86	15.91	2.77
Gross Profit	480.78 M	407 M	257.19 M	341.33 M	413.25 M	394.7 M	563.69 M	421.22 M	398.27 M	456.35 M
Day Typical Price	40.39	50.15	61.32	42.99	38.73	43.38	47.22	69.88	41.36	12.1
Accumulation Distribution	6794.65	3710.69	6090.48	1654.65	21898.68	4998.6	13109.9	4070.43	18741.47	0.0373
Market Facilitation Index	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.46
Daily Balance Of Power	0.2092	0.2917	0.2149	0.1667	(0.87)	0.3069	0.2321	0.2301	0.7383	(0.11)
Period Momentum Indicator	0.32	0.35	0.52	0.14	(0.69)	0.31	0.39	0.52	1.1	(0.05)
Rate Of Daily Change	1.01	1.01	1.01	1.0	0.98	1.01	1.01	1.01	1.03	1.0
Day Median Price	40.32	50.08	61.27	42.89	38.86	43.24	47.01	69.59	41.13	12.1
Price Action Indicator	0.39	0.39	0.4	0.38	(0.71)	0.6	0.82	1.14	1.27	(0.03)
Coefficient Of Variation	613.52	802.31	1431.06	1002.26	497.68	691.08	424.71	548.55	755.5	714.54
Mean Deviation	1.79	1.15	1.21	1.17	1.16	1.13	1.8	0.9844	1.07	1.28
Jensen Alpha	0.2636	0.1217	0.0512	0.1044	0.3369	0.1689	0.5748	0.1905	0.1283	0.2244
Total Risk Alpha	0.194	0.0648	(0.02)	0.0304	0.2369	0.099	0.44	0.1266	0.0798	0.1095
Sortino Ratio	0.179	0.0933	0.0317	0.0692	0.2848	0.1051	0.3052	0.1528	0.104	0.1281
Downside Variance	2.9	1.52	1.63	1.62	1.28	2.14	3.7	1.1	1.68	2.08
Standard Deviation	2.3	1.48	1.58	1.58	1.95	1.55	2.79	1.26	1.55	1.82
Kurtosis	0.2497	0.6579	0.6525	0.5316	16.68	2.17	12.15	0.4015	2.34	1.97
Potential Upside	5.13	3.41	3.46	3.3	2.67	2.62	4.26	2.21	2.85	3.41
Treynor Ratio	0.2159	0.1968	0.1225	0.2031	0.5114	0.2847	0.5345	0.4413	0.1758	0.726
Maximum Drawdown	9.72	7.18	7.37	7.84	12.95	9.2	17.09	5.76	9.76	9.58
Variance	5.29	2.2	2.49	2.51	3.8	2.39	7.8	1.6	2.39	3.31
Market Risk Adjusted Performance	0.2259	0.2068	0.1325	0.2131	0.5214	0.2947	0.5445	0.4513	0.1858	0.736
Risk Adjusted Performance	0.138	0.1051	0.0613	0.0854	0.168	0.1215	0.1971	0.1507	0.1116	0.1185
Skewness	0.6291	0.6873	0.5482	0.5604	3.18	(0.28)	2.39	0.2583	0.5914	0.6778
Semi Deviation	1.46	1.07	1.21	1.1	0.7407	1.27	1.43	0.8454	1.03	1.2
Information Ratio	0.1326	0.0775	0.0256	0.0556	0.1651	0.0995	0.2104	0.127	0.0871	0.1015
Value At Risk	(2.50)	(1.65)	(2.49)	(2.03)	(1.76)	(1.63)	(2.97)	(2.02)	(1.90)	(2.53)
Expected Short fall	(2.40)	(1.30)	(1.53)	(1.43)	(1.44)	(1.31)	(2.16)	(1.20)	(1.22)	(1.65)
Downside Deviation	1.7	1.23	1.28	1.27	1.13	1.46	1.92	1.05	1.3	1.44
Semi Variance	2.14	1.15	1.47	1.21	0.5487	1.61	2.05	0.7147	1.05	1.45

Live Oak Competition Performance Charts

Five steps to successful analysis of Live Oak Competition

Live Oak's competitive analysis is the process of researching and evaluating its competitive landscape. It provides an understanding of the strengths, weaknesses, opportunities, and threats (SWOT) faced by Live Oak Bancshares in relation to its competition. Live Oak's competition analysis typically involves several steps, including:

Identifying the key players in the market: This involves identifying the major competitors of Live Oak in the market, both direct and indirect, as well as new entrants and disruptive technologies.
Assessing the strengths and weaknesses of each competitor: This involves evaluating each competitor's strengths and weaknesses in areas such as product offerings, market share, brand recognition, financial performance, and distribution channels.
Understanding the competitive environment: This involves evaluating the regulatory environment, economic conditions, and other factors that may impact Live Oak's competitive landscape.
Identifying opportunities and threats: This involves using the information gathered during the analysis to identify opportunities and threats to Live Oak Bancshares, and developing a strategy to address them.
Evaluating the competitive landscape: This involves understanding the competitive dynamics of the market, such as pricing, marketing, and distribution strategies, as well as analyzing the competitive advantage of each competitor.

Competitive analysis is an essential tool for businesses to stay ahead of the competition and can be used to inform decision-making and strategy development. By understanding the competitive landscape and staying informed about the activities of competitors, a company can make more informed decisions and improve its overall performance.

Complement your Live Oak position

In addition to having Live Oak in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.

Did You Try This Idea?

Run Sport Products Thematic Idea Now

Sport Products

Companies manufacturing sporting goods and accessories. The Sport Products theme has 41 constituents at this time.

You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Sport Products Theme or any other thematic opportunities.

View All Next

Launch

When determining whether Live Oak Bancshares offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Live Oak's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Live Oak Bancshares Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Live Oak Bancshares Stock:

How To Invest In Live

Details

Is Live Stock a good investment?

Details

What is Live Oak's Net Worth?

Details

Largest Regional Banks Companies

View

Largest Banks - Regional Companies

View

Check out Live Oak Correlation with its peers.

You can also try the Technical Analysis module to check basic technical indicators and analysis based on most latest market data.

Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Live Oak. Expected growth trajectory for Live significantly influences the price investors are willing to assign. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive Live Oak assessment requires weighing all these inputs, though not all factors influence outcomes equally.

Quarterly Earnings Growth

3.479

Dividend Share

0.12

Earnings Share

2.23

Revenue Per Share

10.52

Quarterly Revenue Growth

0.617

Investors evaluate Live Oak Bancshares using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Live Oak's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. External factors like market trends, sector rotation, and investor psychology can cause Live Oak's market price to deviate significantly from intrinsic value.

Understanding that Live Oak's value differs from its trading price is crucial, as each reflects different aspects of the company. Evaluating whether Live Oak represents a sound investment requires analyzing earnings trends, revenue growth, technical signals, industry dynamics, and expert forecasts. Conversely, Live Oak's market price signifies the transaction level at which participants voluntarily complete trades.

Macroaxis helps investors of all levels and skills to maximize the upside of all their holdings and minimize the risk associated with market volatility, economic swings, and company-specific events. View terms and conditions

Feedback Blog

Made with optimal in San Francisco

2026 Macroaxis LLC

Live Competitors

Live Oak vs First Merchants Correlation

Almost no diversification

Moving together with Live Stock

Moving against Live Stock

Specify up to 10 symbols:

Live Oak Competition Correlation Matrix

Risk-Adjusted Indicators

Cross Equities Net Income Analysis

Live Oak Bancshares and related stocks such as TriCo Bancshares, Lakeland Financial, and German American Bancorp Net Income description

Live Oak Competitive Analysis

Live Oak Competition Performance Charts

Five steps to successful analysis of Live Oak Competition

Complement your Live Oak position

Did You Try This Idea?

Run Sport Products Thematic Idea Now

Sport Products

COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY